Buy/Refi

All-In-One Loan (from CMG)

The All-In-One Loan is a revolutionary mortgage that combines your home loan and bank account into one. Every deposit you make goes directly toward reducing your loan balance, lowering the amount of interest you pay daily. Unlike a traditional mortgage, your income works for you around the clock. This flexible structure gives you easy access to your money when you need it, while helping you pay off your loan years faster. For financially savvy homeowners, it’s one of the smartest ways to save thousands in interest.

Conventional Loans

Conventional loans are the backbone of the mortgage industry, offering stability and predictable payments. With flexible terms and competitive interest rates, they’re ideal for borrowers with good credit and steady income. Down payment options start as low as 3%, making it easier to get into your new home. These loans can be used for primary residences, vacation homes, or investment properties. For buyers who want straightforward financing, conventional loans are a reliable choice.

FHA Loans

Backed by the Federal Housing Administration, FHA loans make homeownership more accessible for those with limited savings or less-than-perfect credit. They allow down payments as low as 3.5% and provide flexible qualification guidelines. FHA loans are especially popular with first-time buyers who want a smoother path to approval. They also include options for refinancing and home improvement projects. With an FHA loan, you can achieve your homeownership goals sooner.

HELOC (Home Equity Line of Credit)

A Home Equity Line of Credit (HELOC) allows you to borrow against the equity in your home with flexible access to funds. Unlike a traditional loan, a HELOC works like a credit line you can draw from as needed. It’s perfect for renovations, debt consolidation, or unexpected expenses. With competitive interest rates and the ability to borrow only what you need, a HELOC gives you financial flexibility. It’s a smart way to put your home’s value to work for you.

Jumbo Loans

For homes that exceed conventional loan limits, jumbo loans provide the financing power you need. These programs are designed for higher-value properties and often require stronger credit and income qualifications. With competitive rates and customizable terms, jumbo loans make it possible to secure your dream home without compromise. They can also be used for luxury properties, investment homes, or residences in high-cost areas. Palm & Pine Mortgage specializes in making jumbo financing smooth and stress-free.

USDA Loans

USDA loans help families purchase homes in eligible rural and suburban areas with zero down payment. Backed by the U.S. Department of Agriculture, these loans are designed to support communities outside major metropolitan centers. They offer reduced mortgage insurance and competitive rates, making them highly affordable. USDA loans are perfect for buyers seeking space, peace, and affordability. If you dream of life outside the city, this program makes it possible.

VA Loans

VA loans are one of the most powerful benefits available to veterans, active-duty service members, and eligible surviving spouses. With no down payment required, no private mortgage insurance, and favorable interest rates, VA loans make homeownership truly accessible. They’re flexible enough for both first-time and repeat buyers. The VA program also provides refinancing options to lower payments or access equity. At Palm & Pine, we’re proud to help those who served unlock the doors to homeownership.

Non-QM Loans (Non-Qualified Mortgage)

Non-QM loans are flexible mortgage options for borrowers who don’t fit into traditional lending boxes. They’re ideal for self-employed individuals, entrepreneurs, or anyone with unique financial circumstances. Instead of relying solely on W-2s or tax returns, these loans use alternative documentation like bank statements or assets. Non-QM programs make homeownership possible when conventional options fall short. They open doors for clients with strong financial standing but non-traditional income.

Investors

DSCR (Debt Service Coverage Ratio) Loans

DSCR loans are designed for real estate investors, qualifying based on a property’s cash flow instead of personal income. This makes them ideal for borrowers who may not show traditional income on paper but want to grow their investment portfolio. DSCR loans simplify the process by focusing on rental income and projected returns. They can be used for single-family homes, multifamily properties, or vacation rentals. With flexible terms, DSCR loans help you build wealth through real estate with less red tape.

Commercial Loans

Commercial loans provide financing for business properties, from office buildings to retail centers and warehouses. These loans are structured to fit the unique needs of businesses looking to purchase, refinance, or develop commercial real estate. They can cover both owner-occupied and investment properties. With access to multiple lending partners, Palm & Pine Mortgage offers tailored solutions for projects of all sizes. Our goal is to help your business secure the space it needs to thrive.

Hard Money Loans

Hard money loans are short-term financing solutions typically used by investors. They’re secured by the property itself and offer fast approval with fewer requirements than traditional loans. Hard money is often used for fix-and-flip projects or bridging gaps in complex transactions. While interest rates are higher, the speed and flexibility can make them invaluable for investors. Palm & Pine connects you with reliable lenders who understand investment timelines and goals.

Bridge Loans

A bridge loan provides short-term financing that helps you “bridge the gap” between buying a new home and selling your current one. It gives you the freedom to move quickly without waiting for your existing property to close. With streamlined approval and flexible repayment, bridge loans reduce stress during transitional periods. They can also be used by investors needing quick access to funds. It’s a powerful tool for anyone navigating multiple transactions at once.

Other

Small Business Loans

Small business loans provide entrepreneurs with the capital needed to grow, expand, or stabilize their operations. They can be used for equipment, inventory, working capital, or even new locations. With a range of structures available, these loans can be tailored to your business’s size and stage. Access to affordable financing helps owners focus on what matters most—building their business. Palm & Pine is committed to helping small businesses achieve big goals.

Operating Capital Loans

Operating capital loans are designed to cover everyday business expenses like payroll, rent, and supplies. They provide a financial cushion to keep your operations running smoothly, even during seasonal slowdowns or unexpected challenges. These loans are typically flexible, with terms that match your cash flow needs. For businesses that want to grow without sacrificing stability, operating capital financing is a powerful solution. It ensures you have the resources to keep moving forward.

Loan Programs We Offer

All in One Loan

The All-In-One Loan combines your mortgage and bank account into a single financial tool. By depositing your income directly into the loan, you reduce your daily interest and pay down your balance faster. It’s flexible, efficient, and designed to help you save thousands in interest over the life of your loan while still giving you easy access to your money.

Conventional Loans

Conventional loans are the most common type of mortgage, offering competitive rates and flexible terms. They work well for buyers with strong credit and stable income, and they often require as little as 3% down. Whether you’re buying your first home or upgrading, this program provides straightforward financing with predictable payments.

FHA Loans

FHA loans are government-backed mortgages designed to make homeownership more accessible. With lower down payment requirements and more flexible credit standards, they’re especially popular with first-time buyers. FHA financing can be a smart way to get into a home sooner while building long-term equity.

USDA Loans

USDA loans provide affordable financing for homes in eligible rural and suburban areas. With no down payment required and reduced mortgage insurance costs, they make homeownership more attainable for families outside major city centers. This program is ideal if you’re looking for a quiet neighborhood with room to grow.

VA Loans

VA loans honor the service of veterans, active-duty military, and eligible surviving spouses with exclusive home financing benefits. With no down payment, no private mortgage insurance, and competitive interest rates, this program is one of the most powerful paths to homeownership. It’s our privilege to serve those who’ve served.

Jumbo Loans

Jumbo loans are designed for homes that exceed conventional loan limits. Whether you’re purchasing a luxury property or financing in a high-cost area, these loans provide larger borrowing power with flexible terms. With Palm & Pine Mortgage, you get competitive jumbo financing backed by personalized guidance

DSCR & Investment Loans

Debt Service Coverage Ratio (DSCR) and other investment property loans make it easier for real estate investors to qualify based on a property’s income potential, not just personal income. These programs provide flexibility for building or growing a rental portfolio. With streamlined approval and financing options, you can focus on maximizing returns while we handle the lending details.